PNB Personal Loan

A loan facility that can be used to fund your personal expenses that is amortized over a fixed term. Here are the salient features:

Loanable amount up to Php 2 million (subject to approval)
Flexible terms from 3 to 60 months
No collateral needed
Low monthly add-on interest rate

Apply for a loan today!

PNB Personal Loan Loan

A loan facility that can be used to fund your personal expenses that is amortized over a fixed term. Here are the salient features:

Loanable amount up to Php 2 million (subject to approval)
Flexible terms from 3 to 60 months
No collateral needed
Low monthly add-on interest rate

Apply for a loan today!

How To Apply For a PNB Personal Loan

Download and fill-out
loan application form

Prepare other requirements (Valid I.D.,
income documents, proof of billing)

Go to the nearest PNB branch
or send requirements to
PNB-CFS-PLRetail@pnb.com.ph

How to Apply for a PNB Personal Loan

	Download and fill-out loan application form
	Prepare other requirements (Valid I.D., income documents, proof of billing)
	Go to the nearest PNB branch or send requirements to PNB-CFS-PLRetail@pnb.com.ph

Eligibility

Filipino citizens
At least 21 years of age,but not more than 65 years of age upon loan maturity
Employed or self-employed individual with a minimum annual gross income: Php 120,000

Loan Purpose

You can borrow from P 10,000 to P2,000,000 using the PNB Personal Loan. The following shall be the accepted purpose in availing the product:

Medical expenses
Education/Tuition Fee
House renovation
Purchase of appliances, furniture, and other household needs
Vacation trips
Other personal needs

Eligibility

Filipino citizens
At least 21 years of age,but not more than 65 years of age upon loan maturity
Employed or self-employed individual with a minimum annual gross income: Php 120,000

Loan Purpose

You can borrow from P 10,000 to P2,000,000 using the PNB Personal Loan. The following shall be the accepted purpose in availing the product:

Medical expenses
Education/Tuition Fee
House renovation
Purchase of appliances, furniture, and other household needs
Vacation trips
Other personal needs

Product Features

FREQUENTLY ASKED
QUESTIONS

FREQUENTLY ASKED QUESTIONS

Frequently Asked Questions

1. Am I qualified?

The PNB Personal Loans can be availed if you are:

Professionals, employed/ self-employed individuals earning a minimum annual GROSS income of P120,000
From 21-65 years old

2. What are the PNB Personal Loan requirements?

Upon your PNB Branch visit, kindly prepare and submit the following documents:

PNB Personal Loan Application Form with Auto-Debit Arrangement (ADA) Enrollment Form
One (1) Valid Identification Document (ID) with your signature and photo
Income Documents
Proof of Residence/Proof of Billing

3. Where can I use my PNB Personal Loan?

The following shall be the accepted purposes in availing the PNB-PL:

Medical expenses
Education / Tuition Fees
House renovation
Purchase of appliances, furniture and other household needs
Vacation trips
Other personal needs

4. What is the allowed loanable amount and tenor?

Apply for a PNB Personal Loan from Php 10,000 – Php 2,000,000 that can be amortized from 3, 6, 12, 18, 24 or 36 mos. (below P500k) and up to 48 or 60 mos. (P500k and above).

5. Where will the Bank credit my loan proceeds?

The approved loan proceeds shall be credited to your nominated PNB account.

6. How can I repay my monthly amortization?

You may repay your monthly amortization through Auto Debit Arrangement (ADA) via your nominated PNB account or through Post Dated Checks (PDCs).

7. How much is the monthly add-on rate/interest?

Monthly add-on interest rate is from 1%-2%.

8. What is the difference between Personal Installment Card (PIC) and the new Personal Loan product?

The PIC is a virtual credit card product which allows Cardholders to perform cash availment up to 100% of the assigned credit limit, on installment basis. On the other hand, Personal Loan will allow the clients to borrow from P 10,000 – P 2,000,000 that will be credited to their PNB Savings Account.

9. What will happen if I have an existing Personal Installment Credit Card (PIC)?

All existing PIC borrowers shall continuously pay their monthly dues/outstanding balance using the usual mode of payment. They will not be replaced nor transferred to the new Personal Loan product.

After full settlement of the PIC outstanding balance, borrowers may now apply the PNB Personal Loan product.

10. Do I need to be a PNB Credit Cardholder to avail a Personal Loan?

No. You can apply for a PNB Personal Loan even if you are not a PNB Credit Cardholder.

11. Where can I call or e-mail for any PNB Personal Loan related concerns?

You may call at PNB Customer Care 24/7 Hotline at +632-8573-8888 or send an e-mail at customercare@pnb.com.ph